The Giveaway is open to individuals who are subscribers of the Advisor's newsletter.

Participants must be at least 18 years old to be eligible to participate.

Employees, agents, and affiliates of the Advisor and their immediate family members are not eligible to participate.

To enter the Giveaway, participants must refer new subscribers to the Advisor's newsletter.

Referrals must be made using the unique referral links provided by the Advisor.

Each valid referral will count as one entry into the Giveaway.

There is no limit to the number of referrals a participant can make.

Referrals must be valid and confirmed by the Advisor in order to count as a valid referral.

The Advisor reserves the right to disqualify referrals that it deems, in its sole discretion, to be fraudulent or in violation of these Terms and Conditions.

The prizes for the Giveaway will be awarded as follows:

The Advisor reserves the right to substitute the prizes with items of equal or greater value at its sole discretion.

The winners will be selected at random from all eligible entries.

The odds of winning depend on the number of valid entries received.

Winners will be notified by email or other contact information provided by the participant within 48 hours of the close of the Giveway, which is Thursday, September 7 at 12pm EST.

If a winner cannot be reached within 24 hours or fails to respond within the specified time, an alternate winner may be selected.

The Advisor reserves the right to disqualify any participant found to be in violation of these Terms and Conditions.

The Advisor reserves the right to cancel, suspend, or modify the Giveaway at any time for any reason, including but not limited to fraud or technical difficulties.

Participants agree that the Advisor's decisions regarding the Giveaway are final and binding.

By participating in the Giveaway, participants agree to the collection and use of their personal information by the Advisor for the purpose of administering the Giveaway.

The Advisor will not share or sell participants' personal information to third parties.

This promotion is subject to all applicable federal, state, and local laws and regulations.

Participants must comply with all applicable securities laws and regulations when making referrals to the Advisor's newsletter.

Participants should not make false or misleading statements about the Advisor or its services in their referrals.

No purchase is necessary to earn rewards in this Giveaway. Participants can enter without making any financial transactions with Lumida Wealth.

Rewards are currently only available to readers located within the United States.

Participants located outside the United States are not eligible to receive rewards.

The Advisor reserves the right, at its sole discretion, to cancel, suspend, or modify the promotion if it becomes corrupted in any manner such that it cannot be conducted as originally planned.

Any attempt by any person to deliberately damage or tamper with the referral system or undermine the legitimate operation of the promotion is in violation of criminal and civil laws.

If such an attempt is made, the Advisor reserves the right to seek remedies and damages from any such person to the fullest extent permitted by law, including criminal prosecution.

The Advisor is not responsible for any typographical or other error in the printing, the offering, or the announcement of any rewards/offers or in the administration of this promotion.

If any provision(s) of these Official Rules are held to be invalid or unenforceable, all remaining provisions hereof will remain in full force and effect.

The Advisor and its agents, affiliates, and advertising and promotion agencies make no warranty, guarantee, or representation of any kind concerning the rewards. The Advisor disclaims any implied warranty.

The Giveaway is not sponsored, endorsed, or administered by any third party, including social media platforms.

Participants release the Advisor from any liability for injuries, losses, or damages of any kind resulting from their participation in the Giveaway.

Participants assume liability for injuries or damages of any kind caused or claimed to be caused by participating in the promotion or by the acceptance, possession, or use of any reward.

The Advisor and its agents, affiliates, and advertising and promotion agencies are not in any way responsible or liable for damage, loss, or injury resulting from acceptance and use of any reward.

By participating, all participants agree to release, indemnify, and hold harmless the Advisor and its affiliates, co-branded partners, and their respective officers, directors, employees, and agents, from any claim, injury, damage, liability, or loss that may occur, directly or indirectly, in whole or in part, from participation in this promotion.

By participating in the Giveaway, you acknowledge that you have read, understood, and agree to these Terms and Conditions. If you have any questions about the Giveaway or these Terms and Conditions, please contact [email protected].